EXHIBIT 32.1

                   THE HARTFORD FINANCIAL SERVICES GROUP, INC.

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
           AS ENACTED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection  with the Quarterly  Report on Form 10-Q for the quarterly  period
ended  June  30,  2003 of The  Hartford  Financial  Services  Group,  Inc.  (the
"Company"), filed with the Securities and Exchange Commission on the date hereof
(the "Report"), the undersigned hereby certifies,  pursuant to 18 U.S.C. section
1350 as enacted by section 906 of the Sarbanes-Oxley Act of 2002, that:

1)      The Report fully  complies  with the  requirements  of section  13(a) or
        section 15(d) of the Securities Exchange Act of 1934; and

2)      The information contained in the Report fairly presents, in all material
        respects,  the  financial  condition  and results of  operations  of the
        Company.


Date:  August 6, 2003

                                 /s/ Ramani Ayer
                                 -----------------------------------------------
                                 Ramani Ayer
                                 Chairman, President and Chief Executive Officer



A signed  original of this written  statement  required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the  electronic  version of this written  statement
required by Section 906, has been  provided to The Hartford  Financial  Services
Group, Inc. and will be retained by The Hartford  Financial Services Group, Inc.
and  furnished  to the  Securities  and  Exchange  Commission  or its staff upon
request.